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Care Credit Consumer Reviews - Page 2

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Interest Charge
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

ORLANDO, OKLAHOMA -- Did use card for vet. But today I paid off total amount on account because they had charged me $117.48 on interest. Called customer service and was told I had not paid off a promotional balance of $119.00. Payment is always early and above the minimum payment, never. Was told to pay this amount of $119.00 to keep from being charged this inflated amount on interest. Will never use this card again.

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Money Grabbers
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

OREGON -- I notified Care Credit via email a week before my payment was due that I would be a day late. My social security check is deposited the second Wednesday of every month. I received nothing but a run around via email. I made my payment through Care Credit website on the day promised. I did an online chat. The representative refused to remove my late fee of $27 because the same thing happened less than a year ago. This company tries to squeeze every last dime out of senior citizens. Run the other way. Don't use this card.

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Predatory as Can Be!!!
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

DALLAS, TEXAS -- First off - worst customer service ever. Interest DESTROYS you!! It's a scam. If you take too long to pay it off, they bury you with insane interest fees. One minute you have $350 in available credit. The next you have $50. And you haven't made a purchase since! They won't work with you even if you call and ask... It's either close the account or get **. I would NOT advise anyone to open one of these accounts!! They are outright THIEVES!

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Credit Account
StarStarStarEmpty StarEmpty StarBy -
Rating: 3/51

ORLANDO, FLORIDA -- Other reviews for this bank have been less than good. However, my wife talked to someone named Tara, and not only was Tara respectful and helpful, she helped my wife get things settled to everyone's satisfaction. I will never deal with them again because in today's market a 27% interest rate should be illegal. It rates right up there with payday loans.

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Very Rude Customer Service
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

OHIO -- Care Credit is the worst credit card to have. Their customer service is horrible. The management was rude. When I ask a question they refuse to answer it and they kept repeating their self and when I ask to talk to a manager the manager wanted to know why I wanted to talk to management. And I told them why and they said the customer care person answering the phone already answered my question which state did not. Care Credit is the worst credit card to have.

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They Rob People
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

LAKE CITY, FLORIDA -- I've been paying this company every month for 6 months straight and my bill has dropped $40 out of $200. They said because I did not take the promotion they offered that they are charging additional interest of 67$ on top of my standard interest. I was 3 days late and they charge me 34 late fee. This company is a thief and scam artist. I do not recommend this company to anyone that wants to get their credit help.

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Scam
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

FLORIDA -- DONT USE THIS PLACE! IT'S THE BIGGEST RIPOFF EVER! Sure it sounds good but their customer service sucks! They have no reliable website for online payments, you can never get a live person, you go round and round with the stupid automated system & can never get any of your problems solved. Which of course results in excess charges from them. I wish I had never done this.

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Useless, Liars, Not Worth the Time, Credit Point Butchers
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

DRAPER, UTAH -- This is the most USELESS operation I think I have ever experienced. I applied for this credit with a credit score of 720 in which I think is very good for this day and age. And it asked for the amount that I needed to borrow which was $3400. After I hit the go link, I was automatically approved. All good. But it only gave me a $800 credit. Now my credit is in the good range and I told it the amount that I needed but it chopped 30 points off my credit which puts me into the average in credit score and all for nothing. The card is useless to me and now my credit score is butchered.

So I call to cancel this useless card. Now they say that it could affect my credit score as a bad creditor and butcher yet more points. This is by far the worst line of credit for medical there is and definitely a disaster to your credit. So if you have a miracle doctor that still only charges a few bucks for visits or a dentist that's under $1000 that you can use then maybe this is good for you. BUT if you have a perfect credit then you won't need these crooks. Stay away from these crooks.

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File a Complaint With the CFPB
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

This is an open letter to anyone interested in open a Care Credit account. Simply do not do it. My fiancée had to get some dental work done, which was not covered by insurance at the time. So the dentist offered her a Care Credit card with should be paid in full over the course of a 12 month period. Well what they do not tell you is how ** terrible their services really are; after “paying” online for the first 3 months through their website; it turns out none of those payments ever went through; so she incurred $125 in late payment charges for the first 3 months, taking her original payment from $504 to $650.

Over the course of the next 4 months from January until now she has paid $100 a month for the last 4 months. Her bill in January was $554. For Feb was $454. For Mar was $254 and paid. It was down to $154 and now this month it's back to its original cost of $504.

These people are shady and need to be investigated with a lawsuit of fair practices and debt collection. They literally add on a $10 or $11 charge every time you call them to make a payment since their web service sucks so bad. On top of that the “No interest charge” is a ** lie since they will charge you interest on everything that is not the original payment. "Oh you have a late payment." HAHAHA INTEREST. "Oh you called us about your account." HAHAHAHA INTEREST. We have sent in our bank statements to prove that we have paid the last 4 months without being late, and they “HAVE NOT RECEIVED THEM”.

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Customer Service
StarEmpty StarEmpty StarEmpty StarEmpty StarBy -
Rating: 1/51

FLORIDA -- For convenience I used Care Credit for a dentistry bill. All went fine with my automatic monthly payment through my bank. No interest, no late fees. After it was paid I again used it for husband's new glasses. I set up a similar payment schedule for the glasses, same date with different monthly amount, of course. On a fixed income, automatic payments are a must for me.

I was unaware that, unlike normal credit cards, the payment date did not remain the same & had changed to 4 days before I had scheduled the automatic payments. I received no late payment notices, but over a 6 month period I was charged $158 in late fees! The initial statement for the glasses included a $55 payment that was not even due until the next month!!! Yet they are saying that the early $55 payment does not count as payment for the next month. That amount was over twice the minimum payment amount, but all that gets me is a "Thank you".

Yes, I should have looked carefully at the statements that were emailed to me, but I was thinking "Credit card - same pay date - all set up with my bank" & just skimmed over the statements. I did not check the statements until I saw that their balance was much different than mine. I called them & was able to have the outstanding balance waived & set to zero, but that did not cover all of the late charges. They will not refund me nearly $70 in overpayments.

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Care Credit Rating:
Star Half star Empty star Empty star Empty star
1.3 out of 5, based on 32 ratings and
63 reviews & complaints.
Contact Information:
Care Credit
Synchrony Financial, PO Box 960061
Orlando, FL 32896-0061
800-677-0718 (ph)
www.carecredit.com
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